The trio were arrested following a tip-off from police in California about "cyber-criminal activity based in the UAE", a statement said.
They allegedly targeted individuals and institutions in the United States by hacking their emails and accounts to steal private documents and details.
When police raided their hideout in the emirate of Ajman, officers found a list of more than five million electronic bank accounts.
The mastermind of the cell is aged 24, while the other two are both 26. They had all entered the UAE as tourists.
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